Corvair Knowledge Substrate  /  Prebuilt Domain Substrate

Commercial Banking Knowledge Substrate

Led by the Commercial Relationship Manager and Credit roles

Search, plain-language Q&A, knowledge management, and agentic memory for commercial banking, in one governed substrate. It blends licensed lending and credit expertise with your institution's own policies, products, and client files, and each banker's curated libraries, with a Validity Warrant on every answer. Built for the relationship and credit teams, it serves every coverage role and powers the agents, apps, and auditors that work with them.

Subscription content, in partnership with [Commercial banking knowledge partner]. Licensed commercial banking expertise is produced and kept current by a named domain partner.
Hours not days
to assemble a sourced credit memo from policy and financials
Faster
client and entity onboarding, with KYB and ownership at hand
Every decision
source-attributed and carrying a Validity Warrant
One source
shared across coverage, credit, and monitoring, and the agents

Four capabilities in one governed layer

Search
One query across licensed, institutional, and personal knowledge, ranked and attributed.
Q&A
Plain-language answers from a local or cloud model, always with citations and a warrant.
Knowledge management
Curated, typed, trust-scored, and source-attributed; licensed expertise blended with your own.
Agentic memory
A bi-directional record that pre-loads context and captures what was said, done, and decided.

How it comes together

Three inputs blend into one governed substrate, with auto-curation, trust scoring, and a Validity Warrant on every answer, reached three ways.

Licensed
Domain backbone
Lending, credit, trade finance, trust-scored
Crawled & ingested
Your institution's knowledge
Internal sites, SharePoint, product shelf, policies, procedures
Self serve
Each user's libraries
Their own documents, transcripts, notes, and sources
Chatbot & search
RMs and credit
Search and ask, with sourced, governed answers
MCP server or secure API
Local agents and custom apps
A governed knowledge source for results
Warrant viewer & export
Auditors
Open and verify the Validity Warrant behind any decision

Pipeline

Ingests PDF, DOCX, XLSX, CSV, web pages, call transcripts, meeting notes, and video transcripts. Crawl web sites, intranet, SharePoint, and more, to bring documents in automatically. Auto-curation keeps it current, using continuous web search, news, and monitoring. Access chatbot, secure API, MCP server, and Claude skills.


How a Validity Warrant works

A signed record produced with every answer, capturing what the substrate knew and how it reached the answer, so a decision stays defensible long after it is made. It can cover a single answer or a whole conversation.

01 Search or Q&A
The question asked
The exact prompt or question, including any follow-ups.
02 Knowledge
What was known
The facts used, each with its trust score, pinned to a snapshot.
03 Reasoning path
How it was reached
The search, the sources selected with why each is relevant, and the premise chain.
04 Authority
Who asked, and bounds
The person or agent, and whether the request stayed within policy.
05 Signature
Signed and replayable
Cryptographically signed and timestamped, exportable, reconstructable later.
Decisions cannot be guaranteed as correct, but the basis for the decision can be proved.

Roles it serves

  • Commercial Relationship Manager (coverage, primary)
  • Credit Analyst / Underwriter, credit memos, risk rating
  • Portfolio and Monitoring Manager, covenants, reviews
  • Trade Finance Specialist, LCs, guarantees
  • Cash Management Specialist
  • Compliance and Credit Risk

AI agents it powers

Custom agents you or your partners build, via MCP or secure API. Not included in the licence.

  • Co-pilots, role-bound assistants for RMs and credit
  • KYB and onboarding agent, beneficial ownership, screening
  • Credit memo drafting agent
  • Covenant and portfolio monitoring agent
  • Trade finance document checker
  • AML and sanctions screening agent

Inside the licensed backbone

Lending and credit facilities, credit analysis and underwriting, trade finance, cash management and treasury services, KYC, KYB, AML, and sanctions, industry and sector knowledge, pricing, fees, and documentation, and credit policy and conduct.


Platform

Single search
One query across licensed, institutional, and personal knowledge.
LLM Q&A
Plain-language answers, local or cloud model, always with citations.
Crawler & ingest
Web, intranet, SharePoint, plus files and transcripts.
Access anywhere
Chatbot, secure API, MCP server, and Claude skills.

Governed by construction

Trust scoring
Every fact carries a computed trust and decay, curated live.
Source attribution
Licensed knowledge kept distinct from your local policy on every answer.
PII guardrails
Sensitive data detected on ingestion and redacted or blocked in results, per role.
Validity Warrant
A signed, exportable record for auditors to verify, replayable in time.
MAS guidancePDPAAML / CFT and sanctionsBasel / IFRS 9UCP 600 / ISBPGDPR Art. 22ISO 42001Corvair Risk Catalog

Knowledge as code, and deployment

Knowledge as code
Recipes and grounded content live in Git or your own repository. Branch and review a change, promote from test to production, and reconstitute an identical, governed substrate anywhere. Versioned, auditable, reproducible.
Deployment
Runs in your cloud of choice (Google Cloud, AWS, or Microsoft Azure, with Alibaba and Tencent on request) or on-premises and private cloud, inside your firewalls. The platform, data, and audit trail stay yours. Initial build targets Google Cloud.

One of a family for the bank

Same pattern, new domain: a licensed backbone, your local knowledge, one governed substrate. Part of the Corvair family of banking substrates: Wealth Management, Retail Banking, Commercial Banking, Markets and Treasury, Risk and Compliance, and Operations. Banking is one example; the same pattern serves other regulated industries. Pricing is in the Banking Suite Price Sheet.

Built on the patent-pending Corvair Knowledge Substrate. Runs on your cloud or on-premises, inside your firewalls.
corvair.ai
Singapore · UAE · United States

What the Commercial Banking virtual expert knows

Corvair Knowledge Substrate  /  Domain Partner Content

Commercial Banking Virtual Expert

Led by the Commercial Relationship Manager and Credit Underwriting roles

A licensed co-pilot and chatbot for commercial banking, trained on a commercial-grade body of lending, credit, and trade-finance knowledge, to help coverage and credit teams learn, explore, and decide. Ask it in plain language or search the repository directly, and connect that same repository to your tools and agents through an MCP server or API. Produced and kept current by a named domain partner, and blended with your institution's own knowledge.

Subscription content from [Commercial banking knowledge partner]. The licensed knowledge is produced and maintained by a named commercial banking knowledge partner, then packaged and delivered by Corvair as a subscription.

What it is

A co-pilot and chatbot, trained on the licensed commercial banking repository, that helps relationship and credit teams learn the domain and explore it in plain language. It both searches the repository and answers questions from it, with citations and a Validity Warrant on every answer. The repository is also a building block: connect it to your other tools and agents, or build on it directly.

Co-pilot and chatbot
Learn, explore, and ask in plain language, at the desk.
Search and Q&A
Retrieve and answer over the licensed repository, with cited sources.
MCP server and secure API
Power Cowork, Codex, or your own applications with the repository.
Available as Claude skills
Packaged ready to use, with custom skills developed to order.

What the virtual expert knows how to do

01
Balance-sheet and statement mastery
Audit corporate statements, flag EBITDA adjustments, and compute leverage and liquidity ratios.
02
Cash-flow and debt-service modelling
Reconstruct cash flows and stress debt-service capacity under rate and margin shifts.
03
Facility structuring
Size tranches, evaluate collateral under haircuts, and structure financial covenants.
04
Complex entity and UBO dissection
Map multi-tier structures to identify ultimate beneficial owners across jurisdictions.
05
Credit risk safeguarding
Test facilities against industry default patterns and credit-migration matrices.

A typical interaction

Commercial Banking Virtual Expert · co-pilot · chatbot · API
Credit Analyst
Does this borrower service its debt under a 200bps rate rise?
Commercial Banking Virtual Expert
Marginally. The debt-service coverage ratio falls to 1.05x under the stress, below your 1.20x covenant, so add an amortisation step-up or security, and note the sensitivity in the memo.
Grounded in cash-flow stress schemas and the covenant catalogue · Validity Warrant issued

From the partner's desk to a warranted answer

01 Authored
The standards
The partner's practitioners write the standards, models, and playbooks.
02 Curated
Trust-scored
Corvair ingests, structures, and scores every source for trust.
03 Versioned
Dated releases
Shipped as dated releases you can pin, replay, and roll back.
04 Grounds
The expert
Each answer is traced to licensed content, with a Validity Warrant.

Reference databases

  • Corporate credit analysis playbooks: assessment frameworks with sector-specific ratio benchmarks.
  • Cash-flow stress-testing schemas: models that stress corporate cash flows against macro variables.
  • International trade reference library: ICC rules including UCP 600 and ISBP.
  • Corporate transparency registers: global registries, LEI formats, and KYB verification protocols.
  • Standard lending covenant catalog: covenants categorised by borrower risk profile and sector.

How-to guides

  • Advanced corporate statement audit manuals: identify EBITDA add-back manipulations and valuation tricks.
  • Cash-flow reconstruction guides: translate ledger entries into operating, investing, and financing flows.
  • UBO dissection methodologies: untangle cross-border entities, shadow directors, and SPVs.
  • Structured credit memo drafting guides: narrative, peer analysis, and underwriting rationale for risk committee.
  • Trade finance discrepancy casebooks: resolve common LC discrepancies under UCP 600.

In the substrate these map onto typed-knowledge families: reference data, models and formulas, frameworks and crosswalks, cases and precedents, and templates and clause libraries.


What always-current, shared knowledge delivers

Consistent across every desk
Everyone who needs it draws on one expert source, so guidance does not vary by who is asked.
Confidence
Sources are up-to-date, regularly refreshed, and available to everyone.
Faster to competence
New joiners ramp in weeks, not quarters, against an authoritative, vetted backbone.
Defensible by default
Conduct and suitability checks are built in, and every answer carries a Validity Warrant.

Curated periodically, and recombined. Domain partner content plus your institutional knowledge plus each user's libraries combine into a governed blend, trust-scored, with a Validity Warrant on every answer. The partner re-curates and re-publishes on a regular cadence, and each versioned release is recombined automatically, without disturbing your institutional or local content.

The licensed domain backbone of the Commercial Banking Knowledge Substrate. Licensed content is the property of the named domain partner.
corvair.ai
Singapore · UAE · United States